The insurance companies CS&A works with are selected on breadth and completeness of coverage, financial strength, complete and prompt claims service, and competitive pricing. In addition to our more conventional Personal Lines portfolio of products, we offer a variety of personal package policies. This typically combines homeowners and auto coverages into one policy and usually results in additional coverages on items like boats, personal articles, antique cars, umbrella policies, and premium package discounts.

We have old time values and an old time work ethic so we work hard to protect your dollars. We ensure that claims, whether on property or liability, are handled promptly and completely in exactly the manner dictated by your policy.

According to Ada, “The average couple with children … two cars, a $300,000 home, a boat, and an umbrella policy, could spend 5 percent of their income on insurance premiums.” Since most people do not enjoy paying for insurance, we aim to secure the best coverage for you at the “most competitive” price, which may not mean the cheapest premium at any given point. Our objective is to hold premium fluctuations and cycles to a minimum. Averaging out the severe highs and lows assures our clients a price that will be competitive over any five-to-ten-year period. We feel this long-term approach will solidify the client/company relationships by minimizing constant carrier changes. In some cases, renewal discounts can be given for staying with the same insurance company.

To insure competitive pricing, Chappell Smith & Associates, Inc. subscribes to an automated rating service. This service enables comparison premium shopping at the “flip of a switch.” At each renewal, you will know premium trend changes by comparing actual quotations from the industry leaders.